Japan Mortgage Calculator

A clear, easy-to-read simulator for Japanese home loans (住宅ローン). Enter the loan amount, interest rate and term to see your monthly payment instantly. Main features - Real-time monthly payment (no calculate button) - Equal-payment (annuity) and equal-principal methods - Bonus payments (twice a year) - Rate presets: variable, 10-year fixed, Flat 35 - Prepayment simulation (term-reduction / payment-reduction) - Mortgage tax deduction estimate - Variable-rate rise simulation (5-year / 125% rule) - Refinance comparison with break-even - Borrowing capacity from income, property-price to loan-amount - Repayment schedule with balance chart, save & compare plans, share as image Free, no ads, no registration, works offline. Dark mode supported. Note: results are estimates. Please confirm the actual repayment amount with your financial institution.